Allianz Broker Overview
Complete guide to Allianz international insurance offerings, including expat health coverage, global network reach, policy features, and expert customer reviews
Allianz International Insurance
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Overview
- Global insurance provider serving 70+ countries with comprehensive international health coverage
- 150,000+ healthcare providers in extensive global network
- Direct billing arrangements with major hospitals and clinics worldwide
- 24/7 multilingual customer support in 25+ languages
- Digital-first approach with award-winning mobile app and online portal
- Flexible plans designed specifically for expats, digital nomads, and globally mobile individuals
- Coverage options for individuals, families, and corporate groups
Our Broker Opinion
Expert Analysis
Allianz stands out in the international insurance market for their comprehensive global coverage and exceptionally strong financial backing. Their plans are particularly well-suited for expats, digital nomads, and international business travelers needing flexible, worldwide coverage with minimal exclusions.
While premiums are higher than some competitors (10-15% on average), the extensive direct billing network (150,000+ providers), reliable claims processing, and multilingual support justify the premium pricing for many clients. Their digital tools are among the best in the industry, with real-time claims tracking and virtual consultations available in most regions.
- Extensive provider network with excellent global coverage
- Strong financial ratings ensuring claim payment security
- Digital-first approach with intuitive mobile app
- Multilingual support available 24/7
- Flexible plan customization options
- Direct billing with most major hospitals
- Higher premium costs compared to regional insurers
- Strict medical underwriting for pre-existing conditions
- Limited coverage flexibility in certain regions (particularly Africa)
- Renewal increases averaging 8-12% annually
- Complex policy documentation
- Some exclusions for extreme sports and activities
Plan Comparison
| Plan Type | Best For | Coverage Highlights | Starting Price |
|---|---|---|---|
| Care Core | Young travelers, digital nomads | Basic hospitalization, emergency care, limited outpatient | $85/month |
| Care Plus | Expat families, remote workers | Full hospitalization, outpatient care, maternity, dental options | $175/month |
| Care Pro | Executives, retirees abroad | Comprehensive coverage, premium facilities, medical evacuation | $325/month |
Health and Wellness Benefits
Allianz goes beyond traditional insurance coverage by offering comprehensive wellness tools designed for globally mobile individuals. These integrated services support both physical and mental wellbeing, providing peace of mind no matter where you are in the world.
Expat Assistance Programme (EAP)
Second Medical Opinion
Telehealth Hub
Personal Oncology Case Manager
Fitness Coaching App
Symptom Checker
Travel Security Services
Health Library
Key Benefit
All these wellness tools are integrated into most Allianz international health plans, providing comprehensive support beyond traditional medical coverage. These services are specifically designed to address the unique challenges faced by expatriates and digital nomads.
Customer Reviews
4.8/5 from 2,300+ reviews
4.6/5 from 1,800+ reviews
Frequently Asked Questions
What is Allianz's coverage area?
What is Allianz's coverage area?
- Worldwide: Complete global coverage including the USA
- Worldwide excluding USA: Global coverage excluding treatment in the United States
- Regional: Coverage limited to specific geographic regions (Europe, Asia, etc.)
How does direct billing work with Allianz?
How does direct billing work with Allianz?
- Locate an in-network provider through their mobile app or provider directory
- Present your Allianz membership card at registration
- The provider will verify your coverage electronically
- Covered treatments will be billed directly to Allianz
- You’ll only pay for any deductible, co-pay, or non-covered services
What are the waiting periods for Allianz plans?
What are the waiting periods for Allianz plans?
- General medical treatment: No waiting period for acute conditions
- Pre-existing conditions: Generally 24 months (if covered)
- Maternity care: 10-month waiting period
- Dental treatment: 3-month waiting period for routine dental, 10 months for major procedures
- Optical benefits: 3-month waiting period
How are pre-existing conditions handled?
How are pre-existing conditions handled?
- Standard underwriting: Most pre-existing conditions are excluded
- Moratorium underwriting: Conditions are covered after 24 months without symptoms or treatment
- Medical History Disregarded (MHD): Available for large group plans, covers pre-existing conditions
Learn More About Allianz
Sales Process
Claims Process
Policy Renewals
Expert Tip from our Brokers
When applying for Allianz coverage, consider selecting a higher deductible (2,500) to reduce monthly premiums by 15-25%. For most expats and nomads, this results in significant savings while still providing comprehensive protection against major medical events.